Enter your average income below to estimate applicable free-cash in all major European cities. By free-cash we mean your disposable income, left in your pocket after paying tax, rent, insurance, public transport, food expenses and basic entertainment. How does it work?

average income is
₽ 130500
per

Your estimated
City
free-cash

Valencia , Spain
₽45093
₽49032
₽62806
₽58659
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
32 193
accident
-
-
-
744
unemployment
-
-
-
578
pensions
-
-
-
23 370
other
-
-
-
83
total
-
-
-
56 968
Employee
32 944
-
104 173
-
other
32
-
83
-
income
6 351
-
29 336
-
unemployment
511
-
1 280
-
pensions
1 549
-
3 882
-
total
8 443
-
34 581
-
Employer
32 944
-
104 173
-
unemployment
1 812
-
4 541
-
pensions
7 774
-
19 489
-
other
264
-
661
-
accident
653
-
1 635
-
total
10 503
-
26 326
-
Corporate
87 053
130 500
-
-
income

The general rate of corporate tax is 25%. The lower rate of 15% is introduced for newly formed companies which applies during the first two years of operation in which taxable profit is made. We use the lower rate in our model.

13 058
19 576
-
-
total
13 058
19 576
-
-
Dividends
73 995
110 924
-
-
withholding
15 337
23 618
-
-
total
15 337
23 618
-
-
Income
130 500
130 500
130 500
130 500
Total tax
47 341
43 194
60 907
56 968
After tax
83 159
87 306
69 593
73 532
Living cost
24 500
24 500
24 500
24 500
Free-cash
58 659
62 806
45 093
49 032

Estimated living cost  is ₽24500 per week

₽16537
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2355
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽429
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5179
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Bratislava , Slovakia
₽50859
₽45460
₽72138
₽66121
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
18 040
health
-
-
-
5 742
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

-
-
-
31 320
other
-
-
-
6 198
total
-
-
-
61 300
Employee
32 350
-
104 232
-
income
5 569
-
19 839
-
health
453
-
1 459
-
unemployment
323
-
1 042
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

2 264
-
7 296
-
total
8 609
-
29 636
-
Employer
32 350
-
104 232
-
unemployment
323
-
1 042
-
pensions

Participation in the individual account program is voluntary (6% of an income). The decision to contribute to an individual account must be made before the age of 35 and cannot be reversed.

5 500
-
17 719
-
other
1 618
-
5 211
-
accident
259
-
834
-
health
453
-
1 459
-
total
8 153
-
26 265
-
Corporate
89 997
130 500
-
-
income
18 899
27 406
-
-
total
18 899
27 406
-
-
Dividends
71 098
103 094
-
-
withholding
4 978
7 216
-
-
total
4 978
7 216
-
-
Income
130 500
130 500
130 500
130 500
Total tax
40 639
34 622
55 901
61 300
After tax
89 861
95 878
74 599
69 200
Living cost
23 740
23 740
23 740
23 740
Free-cash
66 121
72 138
50 859
45 460

Estimated living cost  is ₽23740 per week

₽16774
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1603
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽382
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4981
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Varna , Bulgaria
₽95792
₽90958
₽99910
₽95776
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
19 575
health
-
-
-
3 575
unemployment
-
-
-
124
pensions

Individual pension and social contributions account is optional for those who entered the labor force after 31 December, 2014.

-
-
-
4 600
total
-
-
-
27 874
Employee
15 449
-
124 402
-
income
1 545
-
12 440
-
health
711
-
1 430
-
accident

We are using the highest rate at 1.1%.

170
-
342
-
pensions

19.8% for people born before 1 January, 1960; and 14.8% for those born after 31 December, 1959.

1 356
-
2 729
-
total
3 782
-
16 941
-
Employer
15 449
-
124 402
-
unemployment
92
-
187
-
pensions

19.8% for people born before 1 January, 1960; and 14.8% for those born after 31 December, 1959.

1 703
-
3 425
-
accident

We are using the highest rate at 1.1%.

170
-
342
-
health
1 066
-
2 145
-
total
3 031
-
6 099
-
Corporate
112 019
130 500
-
-
income
11 202
13 050
-
-
total
11 202
13 050
-
-
Dividends
100 817
117 450
-
-
withholding
5 041
5 872
-
-
total
5 041
5 872
-
-
Income
130 500
130 500
130 500
130 500
Total tax
23 056
18 922
23 040
27 874
After tax
107 444
111 578
107 460
102 626
Living cost
11 668
11 668
11 668
11 668
Free-cash
95 776
99 910
95 792
90 958

Estimated living cost  is ₽11668 per week

₽6812
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽833
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽309
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3714
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Nice , France
₽44190
₽43484
₽35288
₽40552
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
18 285
social contributions
-
-
-
3 718
health
-
-
-
4 694
surtax
-
-
-
-
pensions
-
-
-
25 790
other
-
-
-
4 046
total
-
-
-
56 533
Employee
38 132
-
102 596
-
income
2 250
-
18 529
-
social contributions
1 087
-
2 923
-
surtax
-
-
-
-
pensions
4 311
-
6 471
-
total
7 648
-
27 923
-
Employer
38 132
-
102 596
-
unemployment
1 544
-
4 156
-
social contributions
115
-
308
-
pensions
6 264
-
11 012
-
other
1 315
-
3 720
-
health
2 670
-
8 708
-
total
11 908
-
27 904
-
Corporate
80 460
130 500
-
-
income
22 529
36 541
-
-
surtax
-
-
-
-
total
22 529
36 541
-
-
Dividends
57 931
93 959
-
-
withholding
7 416
12 026
-
-
surtax
-
-
-
-
social contributions
9 964
16 162
-
-
total
17 380
28 188
-
-
Income
130 500
130 500
130 500
130 500
Total tax
59 465
64 729
55 827
56 533
After tax
71 035
65 771
74 673
73 967
Living cost
30 483
30 483
30 483
30 483
Free-cash
40 552
35 288
44 190
43 484

Estimated living cost  is ₽30483 per week

₽19221
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2479
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽519
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8266
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Rotterdam , Netherlands
₽41340
₽36563
₽26893
₽21433
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
35 188
health
-
-
-
10 987
pensions
-
-
-
10 439
total
-
-
-
56 614
Employee
76 084
76 084
113 942
-
income

It is possible to apply for a 30% ruling (tax reduction) for salaries over €37,000 per annum.

12 454
12 454
13 854
-
health
11 678
9 933
10 987
-
pensions
13 695
10 439
10 439
-
total
37 827
32 826
35 280
-
Employer
76 084
76 084
113 942
-
unemployment
2 739
2 739
3 403
-
pensions
5 295
5 295
6 582
-
health
5 289
5 289
6 572
-
total
13 323
13 323
16 557
-
Corporate
42 026
41 093
-
-
income
8 405
8 219
-
-
total
8 405
8 219
-
-
Dividends
33 621
32 874
-
-
withholding
5 044
4 930
-
-
income
7 145
6 986
-
-
total
12 189
11 916
-
-
Income
130 500
130 500
130 500
130 500
Total tax
71 744
66 284
51 837
56 614
After tax
58 756
64 216
78 663
73 886
Living cost
37 324
37 324
37 324
37 324
Free-cash
21 433
26 893
41 340
36 563

Estimated living cost  is ₽37324 per week

₽26450
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3365
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽593
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6915
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Dresden , Germany
₽57963
₽43933
₽38873
₽48733
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

-
-
-
130 500
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

-
-
-
37 406
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
6 087
trade
-
-
-
14 030
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

-
-
-
2 058
total
-
-
-
59 581
Employee

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

34 077
-
130 500
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

952
-
37 406
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

6 087
-
6 087
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

52
-
2 058
-
total
7 091
-
45 551
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
96 423
130 500
-
-
chamber of commerce
274
323
-
-
income
14 463
19 576
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

795
1 077
-
-
trade
15 186
20 555
-
-
total
30 718
41 531
-
-
Dividends
65 705
88 970
-
-
withholding
16 088
21 904
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

884
1 206
-
-
total
16 972
23 110
-
-
Income
130 500
130 500
130 500
130 500
Total tax
54 781
64 641
45 551
59 581
After tax
75 719
65 859
84 949
70 919
Living cost
26 986
26 986
26 986
26 986
Free-cash
48 733
38 873
57 963
43 933

Estimated living cost  is ₽26986 per week

₽16975
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3147
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽504
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6361
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Larnaca , Cyprus
₽68672
₽69893
₽74658
₽69809
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
22 237
social contributions
-
-
-
14 415
health
-
-
-
3 327
total
-
-
-
39 979
Employee
68 510
68 510
120 599
-
income
7 460
6 342
21 579
-
social contributions
2 590
5 686
7 669
-
health
531
1 165
2 051
-
total
10 581
13 193
31 299
-
Employer
68 510
68 510
120 599
-
social contributions
2 590
5 686
7 669
-
health
577
1 268
2 232
-
total
3 167
6 954
9 901
-
Corporate
96 124
55 035
-
-
income
12 016
6 880
-
-
total
12 016
6 880
-
-
Dividends
84 108
48 156
-
-
withholding
14 299
8 187
-
-
total
14 299
8 187
-
-
Income
130 500
130 500
130 500
130 500
Total tax
40 063
35 214
41 200
39 979
After tax
90 437
95 286
89 300
90 521
Living cost
20 628
20 628
20 628
20 628
Free-cash
69 809
74 658
68 672
69 893

Estimated living cost  is ₽20628 per week

₽12363
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2024
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽457
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5786
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Lisbon , Portugal
₽33746
₽42857
₽46282
₽45386
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

Based on articles 30.º, 31.º and 151.º of CIRS, sole-trader can use 75% of income as a tax base when earnings are below €200,000 per annum.

-
-
-
130 500
income
-
-
-
14 347
social contributions

Social contributions in Portugal are calculated from the total income before any reductions apply.

-
-
-
45 350
surtax
-
-
-
-
total
-
-
-
59 697
Employee
40 977
-
105 455
-
income
8 523
-
32 163
-
social contributions
4 508
-
11 600
-
surtax
-
-
-
-
total
13 031
-
43 763
-
Employer
40 977
-
105 455
-
social contributions
9 732
-
25 045
-
total
9 732
-
25 045
-
Corporate
79 791
130 500
-
-
income
16 755
27 406
-
-
surtax
-
-
-
-
total
16 755
27 406
-
-
Dividends
63 035
103 094
-
-
withholding
17 650
28 866
-
-
total
17 650
28 866
-
-
Income
130 500
130 500
130 500
130 500
Total tax
57 168
56 272
68 808
59 697
After tax
73 332
74 228
61 692
70 803
Living cost
27 946
27 946
27 946
27 946
Free-cash
45 386
46 282
33 746
42 857

Estimated living cost  is ₽27946 per week

₽20910
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽467
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4922
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Batumi , Georgia
₽98069
₽122864
₽117644
₽116457
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

We expect you will register a microenterprise to benefit from 1% tax rate. Otherwise you will be taxed at a personal income rate of 20%.

-
-
-
130 500
microenterprise

A sole-trader will lose its microenterprise status when the turnover exceeds 500,000 GEL for the last two consecutive years.

-
-
-
1 305
total
-
-
-
1 305
Employee
7 914
-
130 500
-
income
1 583
-
26 100
-
total
1 583
-
26 100
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

122 586
130 500
-
-
total
-
-
-
-
Dividends
122 586
130 500
-
-
withholding
6 129
6 525
-
-
total
6 129
6 525
-
-
Income
130 500
130 500
130 500
130 500
Total tax
7 712
6 525
26 100
1 305
After tax
122 788
123 975
104 400
129 195
Living cost
6 331
6 331
6 331
6 331
Free-cash
116 457
117 644
98 069
122 864

Estimated living cost  is ₽6331 per week

₽3924
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽526
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽174
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽1707
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Ljubljana , Slovenia
₽37725
₽41182
₽65952
₽58500
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

A sole-trader pays social contribution from 75% of the assessed income made in the last year.

The minimum monthly assessed income used to calculate contributions is 60% of the insured's average monthly wage in the last year.

The maximum assessed income used to calculate contributions is 3.5 times the insured's average monthly wage in the last year.

-
-
-
130 500
income
-
-
-
28 551
health
-
-
-
12 841
unemployment
-
-
-
196
pensions
-
-
-
23 833
total
-
-
-
65 421
Employee

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

39 398
-
112 918
-
income
6 794
-
26 341
-
health
2 545
-
7 296
-
unemployment
56
-
157
-
pensions
6 107
-
17 503
-
total
15 502
-
51 297
-
Employer

The minimum monthly earnings used to calculate contributions are 54% (gradually rising by two percent until reaching 60% by 2021) of the insured's average monthly wage in the last year.

39 398
-
112 918
-
unemployment
24
-
68
-
pensions
3 486
-
9 992
-
health
2 624
-
7 521
-
total
6 134
-
17 581
-
Corporate
84 968
130 500
-
-
income
16 143
24 795
-
-
total
16 143
24 795
-
-
Dividends
68 824
105 705
-
-
withholding
10 324
15 856
-
-
total
10 324
15 856
-
-
Income
130 500
130 500
130 500
130 500
Total tax
48 103
40 651
68 878
65 421
After tax
82 397
89 849
61 622
65 079
Living cost
23 897
23 897
23 897
23 897
Free-cash
58 500
65 952
37 725
41 182

Estimated living cost  is ₽23897 per week

₽16400
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1532
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽463
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5503
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Sliema , Malta
₽62059
₽67028
₽47777
₽50889
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

We use The Residence Programme or The Global Residence Programme.

-
-
-
130 500
income
-
-
-
25 361
health

This is an average price for a private worldwide health insurance. The price will vary depending on your age and health condition.

-
-
-
5 769
total
-
-
-
31 130
Employee
40 872
-
126 402
-
social contributions
4 095
-
4 098
-
income
4 435
-
27 903
-
total
8 530
-
32 001
-
Employer
40 872
-
126 402
-
social contributions
4 095
-
4 098
-
total
4 095
-
4 098
-
Corporate
85 533
130 500
-
-
income
29 937
45 674
-
-
total
29 937
45 674
-
-
Dividends
55 596
84 826
-
-
social contributions
4 707
4 707
-
-
total
4 707
4 707
-
-
Income
130 500
130 500
130 500
130 500
Total tax
47 269
50 381
36 099
31 130
After tax
83 231
80 119
94 401
99 370
Living cost
32 342
32 342
32 342
32 342
Free-cash
50 889
47 777
62 059
67 028

Estimated living cost  is ₽32342 per week

₽21304
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2550
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽495
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7992
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Vilnius , Lithuania
₽63002
₽64916
₽60724
₽61189
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
19 576
social contributions
-
-
-
18 008
health
-
-
-
9 108
total
-
-
-
46 692
Employee
30 209
-
130 500
-
income
5 038
-
21 490
-
social contributions
4 169
-
18 008
-
health
2 108
-
9 108
-
total
11 315
-
48 606
-
Employer
30 209
-
130 500
-
total
-
-
-
-
Corporate
100 291
130 500
-
-
income

The standard tax rate is 15%. However, small companies and agricultural companies can apply a reduced corporate income tax rate of 0% to the first year of operation when certain conditions are met; and 5% to revenues of less than €300,000 per year. We made calculations based on 5% and skipped 0%.

5 015
6 525
-
-
total
5 015
6 525
-
-
Dividends
95 276
123 975
-
-
withholding
14 292
18 597
-
-
health
6 650
8 653
-
-
social contributions
13 147
17 109
-
-
total
34 089
44 359
-
-
Income
130 500
130 500
130 500
130 500
Total tax
50 419
50 884
48 606
46 692
After tax
80 081
79 616
81 894
83 808
Living cost
18 892
18 892
18 892
18 892
Free-cash
61 189
60 724
63 002
64 916

Estimated living cost  is ₽18892 per week

₽12644
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1165
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽435
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4648
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Prague , Czech Republic
₽41969
₽47528
₽65548
₽56881
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
12 676
social contributions
-
-
-
28 377
solidarity contribution
-
-
-
-
health
-
-
-
17 618
total
-
-
-
58 671
Employee
35 737
-
97 435
-
solidarity contribution
-
-
-
-
income
4 288
-
11 695
-
social contributions
2 323
-
6 317
-
health
4 824
-
13 154
-
total
11 435
-
31 166
-
Employer
35 737
-
97 435
-
social contributions
8 934
-
24 295
-
health
3 216
-
8 769
-
total
12 150
-
33 064
-
Corporate
82 613
130 500
-
-
income
15 696
24 795
-
-
total
15 696
24 795
-
-
Dividends
66 917
105 705
-
-
withholding
10 037
15 856
-
-
total
10 037
15 856
-
-
Income
130 500
130 500
130 500
130 500
Total tax
49 318
40 651
64 230
58 671
After tax
81 182
89 849
66 270
71 829
Living cost
24 301
24 301
24 301
24 301
Free-cash
56 881
65 548
41 969
47 528

Estimated living cost  is ₽24301 per week

₽18072
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1346
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽420
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4463
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Tbilisi , Georgia
₽94534
₽119329
₽114109
₽112259
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

We expect you will register a microenterprise to benefit from 1% tax rate. Otherwise you will be taxed at a personal income rate of 20%.

-
-
-
130 500
microenterprise

A sole-trader will lose its microenterprise status when the turnover exceeds 500,000 GEL for the last two consecutive years.

-
-
-
1 305
total
-
-
-
1 305
Employee
12 333
-
130 500
-
income
2 467
-
26 100
-
total
2 467
-
26 100
-
Employer
-
-
-
-
total
-
-
-
-
Corporate

We will register your company as part of a virtual zone. Your non-Georgian corporate tax will be zero. Turnover in Georgia will be taxed at 15%.

118 167
130 500
-
-
total
-
-
-
-
Dividends
118 167
130 500
-
-
withholding
5 908
6 525
-
-
total
5 908
6 525
-
-
Income
130 500
130 500
130 500
130 500
Total tax
8 375
6 525
26 100
1 305
After tax
122 125
123 975
104 400
129 195
Living cost
9 866
9 866
9 866
9 866
Free-cash
112 259
114 109
94 534
119 329

Estimated living cost  is ₽9866 per week

₽6676
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽414
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽331
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽2444
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Social security system in Georgia is financed from the government taxes which are part of our internal model. Separate pension and medical insurance contributions are not compulsory. It is advisable to purchase health insurance privately as in an event of medical emergency the treatment is likely to get costly.

Paris , France
₽31641
₽30935
₽22739
₽28862
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
18 285
social contributions
-
-
-
3 718
health
-
-
-
4 694
surtax
-
-
-
-
pensions
-
-
-
25 790
other
-
-
-
4 046
total
-
-
-
56 533
Employee
55 802
-
102 596
-
income
4 869
-
18 529
-
social contributions
1 589
-
2 923
-
surtax
-
-
-
-
pensions
6 312
-
6 471
-
total
12 770
-
27 923
-
Employer
55 802
-
102 596
-
unemployment
2 261
-
4 156
-
social contributions
167
-
308
-
pensions
9 169
-
11 012
-
other
1 926
-
3 720
-
health
3 906
-
8 708
-
total
17 429
-
27 904
-
Corporate
57 269
130 500
-
-
income
16 035
36 541
-
-
surtax
-
-
-
-
total
16 035
36 541
-
-
Dividends
41 234
93 959
-
-
withholding
5 279
12 026
-
-
surtax
-
-
-
-
social contributions
7 093
16 162
-
-
total
12 372
28 188
-
-
Income
130 500
130 500
130 500
130 500
Total tax
58 606
64 729
55 827
56 533
After tax
71 894
65 771
74 673
73 967
Living cost
43 032
43 032
43 032
43 032
Free-cash
28 862
22 739
31 641
30 935

Estimated living cost  is ₽43032 per week

₽29123
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3520
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽590
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9798
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Belgrade , Serbia
₽61399
₽61400
₽78920
₽74549
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

-
-
-
130 500
income
-
-
-
28 914
health
-
-
-
6 763
unemployment
-
-
-
985
pensions
-
-
-
17 072
total
-
-
-
53 734
Employee

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

23 170
-
118 746
-
income
3 194
-
28 914
-
health
1 193
-
3 382
-
unemployment
174
-
492
-
pensions
3 244
-
9 193
-
total
7 805
-
41 981
-
Employer

The minimum tax base for social security contributions are defined by the Law on Mandatory Social Insurance Contributions and is fixed at 35% of an average monthly salary published in Serbia. The maximum tax base for social security contributions is capped at five times the average monthly salary published by the official statistics in Serbia at the moment of salary payment.

The minimum monthly earnings used to calculate the contributions are 35% of the national average gross wage for the previous three months.

The maximum monthly earnings used to calculate the contributions are five times the national average gross wage in the previous month.

23 170
-
118 746
-
unemployment
174
-
492
-
pensions
2 780
-
7 880
-
health
1 193
-
3 382
-
total
4 147
-
11 754
-
Corporate
103 182
130 500
-
-
income
15 477
19 575
-
-
total
15 477
19 575
-
-
Dividends
87 705
110 925
-
-
withholding
13 156
16 639
-
-
total
13 156
16 639
-
-
Income
130 500
130 500
130 500
130 500
Total tax
40 585
36 214
53 735
53 734
After tax
89 915
94 286
76 765
76 766
Living cost
15 366
15 366
15 366
15 366
Free-cash
74 549
78 920
61 399
61 400

Estimated living cost  is ₽15366 per week

₽10346
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1189
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽445
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3387
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Zurich , Switzerland
₽37844
₽44193
-₽2509
₽24097
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
regional
-
-
-
6 095
national
-
-
-
1 744
health
-
-
-
294
city
-
-
-
1 375
other

This will depend on a canton and a chosen fund. The rate is between 0.3% and 3.4% with a maximum base of 148,200 CHF. We use 2% as an average rate.

-
-
-
2 610
pensions
-
-
-
12 005
total
-
-
-
24 123
Employee
72 771
-
116 803
-
regional
2 383
-
5 283
-
city
781
-
1 255
-
health
165
-
264
-
unemployment
-
-
-
-
national
344
-
1 443
-
pensions
6 114
-
9 813
-
total
9 787
-
18 058
-
Employer
72 771
-
116 803
-
unemployment
-
-
-
-
pensions
6 114
-
9 813
-
other

This will depend on a canton and a chosen fund. The rate is between 0.1% and 3.63% for an employee. We use 2% as an average rate.

1 455
-
2 337
-
health
165
-
264
-
total
7 734
-
12 414
-
Corporate
49 196
130 500
-
-
regional
10 405
27 601
-
-
national
4 181
11 092
-
-
total
14 586
38 693
-
-
Dividends
34 609
91 807
-
-
withholding
12 112
32 132
-
-
total
12 112
32 132
-
-
Income
130 500
130 500
130 500
130 500
Total tax
44 219
70 825
30 472
24 123
After tax
86 281
59 675
100 028
106 377
Living cost
62 184
62 184
62 184
62 184
Free-cash
24 097
-2 509
37 844
44 193

Estimated living cost  is ₽62184 per week

₽40437
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽5580
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽763
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽15403
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

It is extremely rare that a Third Country National (non-EU/EFTA/Swiss and without a long-term EU resident permit) is given a residence permit based on self-employment.

Helsinki , Finland
₽35932
₽53806
₽49211
₽50816
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

You can choose the amount to declare for pension contributions and choose a pension insurance company or a pension insurance fund you prefer to use; or you could opt out of pension contributions altogether. You can find more details on Finnish Centre for Pensions

-
-
-
130 500
municipal
-
-
-
23 196
national
-
-
-
17 654
health
-
-
-
1 638
total
-
-
-
42 488
Employee
46 875
-
109 783
-
health
350
-
1 319
-
unemployment
703
-
1 647
-
national
774
-
11 375
-
municipal
7 678
-
17 893
-
pensions
3 163
-
7 411
-
total
12 668
-
39 645
-
Employer
46 875
-
109 783
-
unemployment
304
-
714
-
pensions
8 133
-
19 048
-
accident
47
-
110
-
health
360
-
845
-
total
8 844
-
20 717
-
Corporate
74 780
130 500
-
-
income
14 956
26 100
-
-
total
14 956
26 100
-
-
Dividends

Finish residents use 75% of income from dividends as a base for income tax.

44 868
78 300
-
-
national
933
6 889
-
-
municipal
8 077
14 094
-
-
total
9 010
20 983
-
-
Income
130 500
130 500
130 500
130 500
Total tax
45 478
47 083
60 362
42 488
After tax
85 022
83 417
70 138
88 012
Living cost
34 206
34 206
34 206
34 206
Free-cash
50 816
49 211
35 932
53 806

Estimated living cost  is ₽34206 per week

₽22343
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3290
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽544
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8029
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.

Brussels , Belgium
₽14935
₽24703
₽40555
₽27193
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
national
-
-
-
46 273
social contributions
-
-
-
20 435
communal

Communal tax will depend on the area of registration and each commune in the city has its own rate.

-
-
-
6 604
total
-
-
-
73 312
Employee

The minimum management director salary is set at €45,000 per year.

63 731
-
101 074
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

2 994
-
4 749
-
communal

Communal tax will depend on the area of registration and each commune in the city has its own rate.

3 324
-
5 272
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

555
-
879
-
national
19 593
-
35 173
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

4 780
-
7 581
-
total
31 246
-
53 654
-
Employer

The minimum management director salary is set at €45,000 per year.

63 731
-
101 074
-
unemployment

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

930
-
1 476
-
pensions

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

5 647
-
8 956
-
surtax
7 226
-
11 463
-
accident

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

828
-
1 314
-
health

Reference earnings are 100% of the insured person's gross earnings for white-collar workers and 108% of the insured person's gross earnings for blue-collar workers.

3 919
-
6 217
-
total
18 550
-
29 426
-
Corporate
48 218
130 500
-
-
income
9 644
26 100
-
-
surtax
193
522
-
-
total
9 837
26 622
-
-
Dividends
38 381
103 877
-
-
withholding

As an investor, you can take advantage of €640 tax free allowance per year.

11 189
30 838
-
-
total
11 189
30 838
-
-
Income
130 500
130 500
130 500
130 500
Total tax
70 822
57 460
83 080
73 312
After tax
59 678
73 040
47 420
57 188
Living cost
32 485
32 485
32 485
32 485
Free-cash
27 193
40 555
14 935
24 703

Estimated living cost  is ₽32485 per week

₽20925
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2840
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽509
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8212
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Stockholm , Sweden
₽31757
₽32634
₽35074
₽34262
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
municipal
-
-
-
32 065
national
-
-
-
6 651
health
-
-
-
4 948
accident
-
-
-
159
unemployment
-
-
-
79
pensions
-
-
-
8 571
other
-
-
-
9 214
total
-
-
-
61 687
Employee
51 552
-
105 587
-
national
-
-
6 165
-
municipal
15 373
-
31 486
-
total
15 373
-
37 651
-
Employer
51 552
-
105 587
-
unemployment
1 361
-
2 093
-
pensions
5 573
-
8 571
-
other
5 990
-
9 214
-
accident
103
-
159
-
health
3 170
-
4 876
-
total
16 197
-
24 913
-
Corporate
62 751
130 500
-
-
income
13 805
28 710
-
-
total
13 805
28 710
-
-
Dividends
48 946
101 790
-
-
withholding
14 684
30 537
-
-
total
14 684
30 537
-
-
Income
130 500
130 500
130 500
130 500
Total tax
60 059
59 247
62 564
61 687
After tax
70 441
71 253
67 936
68 813
Living cost
36 179
36 179
36 179
36 179
Free-cash
34 262
35 074
31 757
32 634

Estimated living cost  is ₽36179 per week

₽23978
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3550
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽549
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽8101
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Oslo , Norway
₽79890
₽51401
₽40611
-₽3525
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
25 437
social contributions
-
-
-
14 877
total
-
-
-
40 314
Employee
55 612
-
-
-
income
12 267
-
-
-
social contributions
4 560
-
650
-
total
16 827
-
650
-
Employer
55 612
-
-
-
social contributions
78 413
-
11 175
-
total
78 413
-
11 175
-
Corporate
-
130 500
-
-
income
-
28 710
-
-
total
-
28 710
-
-
Dividends
-
101 790
-
-
income
-
22 394
-
-
total
-
22 394
-
-
Income
130 500
130 500
130 500
130 500
Total tax
95 240
51 104
11 825
40 314
After tax
35 260
79 396
118 675
90 186
Living cost
38 785
38 785
38 785
38 785
Free-cash
-3 525
40 611
79 890
51 401

Estimated living cost  is ₽38785 per week

₽25165
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3648
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽494
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽9478
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Limassol , Cyprus
₽60402
₽61623
₽66388
₽62696
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
22 237
social contributions
-
-
-
14 415
health
-
-
-
3 327
total
-
-
-
39 979
Employee
68 510
68 510
120 599
-
income
7 194
6 342
21 579
-
social contributions
3 329
5 686
7 669
-
health
681
1 165
2 051
-
total
11 204
13 193
31 299
-
Employer
68 510
68 510
120 599
-
social contributions
3 329
5 686
7 669
-
health
742
1 268
2 232
-
total
4 071
6 954
9 901
-
Corporate
86 326
55 035
-
-
income
10 790
6 880
-
-
total
10 790
6 880
-
-
Dividends
75 535
48 156
-
-
withholding
12 841
8 187
-
-
total
12 841
8 187
-
-
Income
130 500
130 500
130 500
130 500
Total tax
38 906
35 214
41 200
39 979
After tax
91 594
95 286
89 300
90 521
Living cost
28 898
28 898
28 898
28 898
Free-cash
62 696
66 388
60 402
61 623

Estimated living cost  is ₽28898 per week

₽19755
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2257
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽485
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6401
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Edinburgh , United Kingdom
₽44179
₽56110
₽55696
₽60803
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
35 020
pensions
-
-
-
7 331
total
-
-
-
42 351
Employee
43 978
-
114 197
-
income
8 009
-
27 066
-
health
574
-
1 738
-
pensions
3 357
-
9 176
-
total
11 940
-
37 980
-
Employer
43 978
-
114 197
-
pensions
4 443
-
14 133
-
health
836
-
2 169
-
total
5 279
-
16 302
-
Corporate
81 243
130 500
-
-
income

It is proposed for this rate to fall to 17% from the financial year starting on 1 April, 2020. Also, where the taxable profits can be attributed to the exploitation of patents, a lower rate of 10% applies.

15 436
24 796
-
-
total
15 436
24 796
-
-
Dividends
65 806
105 704
-
-
withholding
5 003
17 969
-
-
total
5 003
17 969
-
-
Income
130 500
130 500
130 500
130 500
Total tax
37 658
42 765
54 282
42 351
After tax
92 842
87 735
76 218
88 149
Living cost
32 039
32 039
32 039
32 039
Free-cash
60 803
55 696
44 179
56 110

Estimated living cost  is ₽32039 per week

₽21979
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2946
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽401
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6711
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details

Additional information

The only visa which will gain you entry to the UK as a freelancer is Tier 1 (with an exception of EU nationals or long-term UK residence permit holders, up until Brexit). There are two Tier 1 visa pathways.

You can either apply for an Entrepreneur visa which requires an investment of at least £200000 and creating two full time jobs, or choose an Exceptional Talent visa, which has no financial requirements but is more difficult to obtain.

Rome , Italy
₽21000
₽26878
₽33245
₽29194
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
municipal
-
-
-
872
regional
-
-
-
2 960
national
-
-
-
30 731
social contributions
-
-
-
33 565
total
-
-
-
68 128
Employee
75 078
-
130 500
-
regional
1 133
-
2 577
-
social contributions
25 316
-
44 005
-
national
12 687
-
26 646
-
municipal
448
-
778
-
total
39 584
-
74 006
-
Employer
75 078
-
130 500
-
total
-
-
-
-
Corporate
55 422
130 500
-
-
nationa
13 301
31 320
-
-
municipal
2 671
6 290
-
-
total
15 972
37 610
-
-
Dividends
39 450
92 891
-
-
withholding
10 256
24 151
-
-
total
10 256
24 151
-
-
Income
130 500
130 500
130 500
130 500
Total tax
65 812
61 761
74 006
68 128
After tax
64 688
68 739
56 494
62 372
Living cost
35 494
35 494
35 494
35 494
Free-cash
29 194
33 245
21 000
26 878

Estimated living cost  is ₽35494 per week

₽24932
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽2441
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽536
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽7583
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Gdansk , Poland
₽51647
₽70685
-₽8022
₽7719
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
35 338
health
-
-
-
1 843
accident
-
-
-
213
pensions
-
-
-
3 516
other
-
-
-
313
total
-
-
-
41 223
Employee
29 247
-
116 394
-
income
4 012
-
26 379
-
health
3 349
-
13 327
-
pensions
3 293
-
6 448
-
total
10 654
-
46 154
-
Employer
29 247
-
116 394
-
unemployment
717
-
2 852
-
pensions
4 756
-
9 311
-
accident
488
-
1 944
-
total
5 961
-
14 107
-
Corporate
95 293
130 500
-
-
income

From 1 January 2017, a lowered corporate income tax rate of 9% was introduced for so-called 'small taxpayers' - entities with turnover not exceeding the equivalent of €1.2 million and for taxpayers starting business activity, during their previous tax year.

85 763
117 450
-
-
total
85 763
117 450
-
-
Dividends
9 529
13 050
-
-
withholding
1 811
2 480
-
-
total
1 811
2 480
-
-
Income
130 500
130 500
130 500
130 500
Total tax
104 189
119 930
60 261
41 223
After tax
26 311
10 570
70 239
89 277
Living cost
18 592
18 592
18 592
18 592
Free-cash
7 719
-8 022
51 647
70 685

Estimated living cost  is ₽18592 per week

₽13627
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1030
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽388
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3548
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Poland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should use a business incubator or set up a company and hire themselves as an employee.

Berlin , Germany
₽50552
₽37770
₽32808
₽44463
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

-
-
-
130 500
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

-
-
-
37 406
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

-
-
-
6 087
trade
-
-
-
12 782
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

-
-
-
2 058
total
-
-
-
58 333
Employee

Pension contribution is not mandatory for self-employed except for writers, artists and musicians who should pay standard rates to Künstlersozialkasse.

44 331
-
130 500
-
income

Personal income is calculated on a progressive scale(from 14% to 42%), and is fixed at 45%. The tax percentage is unique and will depend on your income.

3 645
-
37 406
-
health

Our model is based on the assumption that an owner of the company is either a director or registered self-employed, so all social security contributions are not mandatory.

However, you would need to purchase private health insurance. We took an average price of €3600 per annum per person.

6 087
-
6 087
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

201
-
2 058
-
total
9 933
-
45 551
-
Employer
-
-
-
-
total
-
-
-
-
Corporate
86 169
130 500
-
-
chamber of commerce
262
326
-
-
income
12 926
19 576
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

710
1 077
-
-
trade
12 365
18 727
-
-
total
26 263
39 706
-
-
Dividends
59 907
90 794
-
-
withholding
14 639
22 360
-
-
surtax

Solidarity surcharge is an additional fee on income tax, capital gains tax and corporate tax. It is justified by the cost of German reunification.

805
1 229
-
-
total
15 444
23 589
-
-
Income
130 500
130 500
130 500
130 500
Total tax
51 640
63 295
45 551
58 333
After tax
78 860
67 205
84 949
72 167
Living cost
34 397
34 397
34 397
34 397
Free-cash
44 463
32 808
50 552
37 770

Estimated living cost  is ₽34397 per week

₽23728
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽3701
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽499
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽6469
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source

Additional information

Nationals of Europe, Australia, Canada, Israel, Japan, the Republic of Korea, New Zealand and the USA do not require an entry type D visa (not to confuse with a Schengen visa or a visa-free entry). For other nationals, waiting time is around 6-9 months which includes document preparation and processing.

Riga , Latvia
₽61291
₽23401
₽85864
₽78557
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

As of 1 January, 2018 a microenterprise tax rate for microenterprise turnover of up to €40,000 is 15%. This tax is inclusive of all other taxes and contributions.

Microenterprise tax could also be applied to a company but as the only exception is a limitation of liability, we advise to register as a sole-trader.

-
-
-
130 500
microenterprise
-
-
-
-
income
-
-
-
21 149
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

-
-
-
34 136
surtax
-
-
-
33 278
total
-
-
-
88 563
Employee
26 034
-
93 031
-
income
4 634
-
18 028
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

2 864
-
10 234
-
surtax
-
-
-
-
total
7 498
-
28 262
-
Employer
26 034
-
93 031
-
social contributions

Each person younger than 30 on 1 July, 2001 should make pension contributions to an old-age pension account. We include it in our internal model.

6 271
-
22 411
-
surtax
-
-
-
-
total
6 271
-
22 411
-
Corporate
98 195
130 500
-
-
income

Corporate income tax rate is 20% applicable to the taxable base. However, before applying the statutory rate, the taxable base should be divided by a coefficient of 0.8. As taxable base is increased by the coefficient, the effective corporate income tax rate is 25%.

19 638
26 100
-
-
total
19 638
26 100
-
-
Dividends

In Latvia, local dividends are not subject to withholding tax.

78 557
104 400
-
-
total
-
-
-
-
Income
130 500
130 500
130 500
130 500
Total tax
33 407
26 100
50 673
88 563
After tax
97 093
104 400
79 827
41 937
Living cost
18 536
18 536
18 536
18 536
Free-cash
78 557
85 864
61 291
23 401

Estimated living cost  is ₽18536 per week

₽11825
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1765
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽421
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽4524
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details Source
Istanbul , Turkey
₽65450
₽66281
₽69749
₽67831
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
37 835
health
-
-
-
6 179
pensions
-
-
-
8 522
total
-
-
-
52 536
Employee
17 795
-
120 913
-
income
3 442
-
37 388
-
health
890
-
2 131
-
unemployment
178
-
426
-
pensions
1 601
-
3 835
-
total
6 111
-
43 780
-
Employer
17 795
-
120 913
-
unemployment
356
-
852
-
pensions
1 957
-
4 687
-
health
1 691
-
4 048
-
total
4 004
-
9 587
-
Corporate
108 701
130 500
-
-
income
23 914
28 710
-
-
total
23 914
28 710
-
-
Dividends
84 787
101 790
-
-
withholding
16 957
20 358
-
-
total
16 957
20 358
-
-
Income
130 500
130 500
130 500
130 500
Total tax
50 986
49 068
53 367
52 536
After tax
79 514
81 432
77 133
77 964
Living cost
11 683
11 683
11 683
11 683
Free-cash
67 831
69 749
65 450
66 281

Estimated living cost  is ₽11683 per week

₽6943
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽947
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽268
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽3526
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Athens , Greece
₽38254
₽41916
₽62073
₽59238
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
31 621
health
-
-
-
8 442
unemployment
-
-
-
203
surtax
-
-
-
4 524
pensions
-
-
-
23 782
other
-
-
-
-
total
-
-
-
68 572
Employee
30 004
-
107 807
-
other
-
-
-
-
income
5 030
-
28 151
-
health
766
-
2 749
-
unemployment
2 088
-
7 504
-
surtax
107
-
3 946
-
pensions
2 002
-
7 191
-
total
9 993
-
49 541
-
Employer
30 004
-
107 807
-
unemployment
952
-
3 417
-
pensions
4 000
-
14 371
-
other
-
-
-
-
health
1 364
-
4 905
-
total
6 316
-
22 693
-
Corporate
94 179
130 500
-
-
income
24 487
33 930
-
-
total
24 487
33 930
-
-
Dividends
69 692
96 570
-
-
withholding
10 454
14 485
-
-
total
10 454
14 485
-
-
Income
130 500
130 500
130 500
130 500
Total tax
51 250
48 415
72 234
68 572
After tax
79 250
82 085
58 266
61 928
Living cost
20 012
20 012
20 012
20 012
Free-cash
59 238
62 073
38 254
41 916

Estimated living cost  is ₽20012 per week

₽12082
Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.
₽1740
Public transport and taxi. Monthly travel card, and a few taxi rides per week.
₽465
Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.
₽5727
Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.
₽0
I'm drinking at home rarely or never.
₽0
I do not smoke or smoke very rarely.
Adjust living cost Show details
Graz , Austria
₽5869
₽38438
₽44129
₽43688
S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader
-
-
-
130 500
income
-
-
-
30 432
chamber of commerce
-
-